How Does RV and Auto Financing Work?

When you’re ready to purchase a used car or pre-owned RV for your adventures around Spokane, WA, you can either pay for it all at once or apply for a finance plan. If you’ve wondered, “What does it mean to finance a car?” and “How does financing work?”, we’re here to help you understand the process inside and out!

How Does Financing a Car Work?

The first step in financing a used vehicle is to apply for the loan through the dealership, a credit union, or your bank. If you opt to finance with your dealership, you can either apply for a loan when you visit the showroom or you can start the process online. Keep in mind that your lender will take these into account before you’re approved for financing:

  • Length of Loan
  • Debt-to-Income Ratio
  • Age of the Vehicle
  • Credit Score
  • Loan Amount

Choose Your Lender

When you’re approved, there are a couple directions you can go. To ensure you get a rate that works for you, compare the different offers from your credit union, your bank, and the dealership itself. There might be one offer that works better for you! Consider how much money you will be putting down, as well as your monthly payment, so you can ensure you’re able to pay off your loan.

Finalize the Loan Terms

Before you take home an RV or pre-owned vehicle, you may be able to negotiate on price. Speak with your sales representative to see if there is any wiggle room on your price or interest rates. Once you’ve both agreed on a price and interest rate, you can finalize the loan terms and close your deal!. Sign all the requisite paperwork and drive home to the Coeur D’Alene, ID area!

Want to Know More About Car Financing in Spokane?

Now that you know how you can take home a high-quality RV, Harley Davidson, or pre-owned car, you can learn where to take it with one of our local guides! Learn about RV parks near Coeur d’Alene or the best RV parks in Washington State! You can always contact us online to speak to a member of our finance department near Post Falls, ID when you’re ready to learn more or if you have questions about financing with a bad credit score.

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(509) 204-5755

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6623 N Division St • Spokane, WA 99208

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Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 9am-5:30pm

Arrotta's Automax & RV

6623 N Division St Spokane, WA



Phone: (509) 204-5755

6623 N Division St Spokane, WA


Phone: (509) 381-5445

6623 N Division St Spokane, WA
47.7181525 -117.4117541
Arrotta's Automax & RV 47.7181525, -117.4117541.